With only 3 days (nay…less than 72 hours!) to go before the ghosts, goblins, witches and warlocks of Halloween descend upon us, hundreds of licensed Florida adjusters come to grips with Florida’s new reality…the mandatory 5 Hour Law & Ethics Update course. The number of Florida-licensed adjusters whose license/CE requirements are due on the last day of October, 2014 number well into the thousands. Those who need to, but haven’t taken, this new course by midnight, October 31st, will face some very serious consequences.
For two years, the Department of Financial Services and providers all over the state have given explanation and warning of what was to come since the most significant change in Florida adjuster licensing and CE laws since 1989, when the CE requirements for Florida adjusters first began. Few listened, and when they did, they didn’t listen well…preferring to procrastinate and expecting the vendor population to continue providing their CE “for free”. Claims employers, most of whom choose to ignore CE requirements as “the adjuster’s problem and responsibility”, are now also finding that they cannot depend on the vendor population to supply their claim staff with the new requirement…a course that is filled with specific content and time requirements that defy traditional “in-house” delivery methods. Now, a mere 3 days away from the witching hour of Florida Adjuster CE, adjusters are scrambling and crying, “Where can I get the course? I can’t find anyone offering it. You mean it all has to be taken at once? Why haven’t I heard of this before? How much does it cost? I can’t take off work!” …and on and on and on and on they go… Continue Reading
For the first time since 1989, Florida has changed the continuing education requirements for licensed adjusters by dropping the mandatory category requirements of Law, Ethics, and Optional categories and how many of each that adjusters must take.
Effective today, October 1st, ALL Florida-licensed (resident-adjusters in most cases) adjusters whose CE compliance periods end this month, and from here on out, MUST complete a specific 5-Hour Law & Ethics Update course in each two-year license CE compliance period. The content of this 5-Hour Update course is highly regulated and most of the content has been specifically described by Florida’s Department of Financial Services/Education Section.
The problem is…despite nearly two years of communication from the Division of Agent & Agency Services to Florida insurance licensees, the message has not effectively reached its intended audience, and now adjusters are panicking and rushing to ensure compliance and save their licenses. Estimates are that from now on, with each passing month, approximately 2,500 Florida licensed adjusters will come face to face with this mandatory requirement…and find limited ability or availability to meet the requirement…and with penalties of $250 per licensee for failure to do so, that’s a scary thought. But there is a solution… Continue Reading
It’s simply amazing to see the impact that state-mandated continuing education (“CE”) has had on the claims industry over the last few decades. One would think (and that regulators thought) such requirements would enhance the quality and professionalism of insurance claims practice. Unfortunately, my perception is that the effect has been somewhat less than successful, and that the intent of CE has certainly not been appreciated.
These days it seems that all I hear are adjusters complaining about their CE requirements. Initially I am inclined to be unsympathetic; yet, to be honest, when I think about today’s typical CE course, I believe there may be a certain amount of logic to their dissatisfaction. In fact, it actually may not be the “requirement” of CE that is the source of their frustration, nor, perhaps, the “cost”. But if either of these issues aren’t the cause, then what is?
A number of questions come to mind:
- Is it, in fact, the quality and/or relevance of the CE? My observation is that, in today’s “frugal” and busy claims environment, a large part of the industry depends on CE requirements to provide much of today’s claims training. Is it working?
- Is it the cost? I would find that hard to believe; yet I am often asked, “Where can I get some free CE?” Given the time and expense of developing quality claims training and education, I am amazed at just how “cheaply” one can secure CE (e.g. “24 CE for $39.95!” or “Unlimited CE for $99!”). Given the fact that most of this product is rarely even relevant to the job of an adjuster, or helpful in the least, is it even worth it? The saying, “You get what you pay for” comes to mind…
- Could it be that adjusters are just too busy and don’t want to be bothered? For some adjusters, this is something with which I can sympathize. Today’s claims operations ARE very busy. But that’s the job, isn’t it?
Actually, to this last question is there not a greater point to be raised? Continue Reading